About SIP Calculator & Goal Planner
A SIP, or Systematic Investment Plan, means investing a fixed amount at regular intervals rather than a single lump sum. Its advantage is not magic — it is that a steady habit compounds, and that buying at regular intervals averages out the price you pay.
This planner works in both directions: tell it what you invest and it projects the outcome, or tell it what you need and it works out the monthly amount required.
How to use it
- Choose whether you are growing a monthly habit or funding a specific goal. Goals offer presets for common targets like a house deposit or a child's education.
- Enter the amount, the time horizon and the return you expect. An annual step-up models raising your contribution as your income grows.
- Read the result: the final value, how much of it is your own money versus growth, and what it is worth in today's money after inflation.
Frequently asked questions
- What return should I assume?
- Indian equity funds have historically returned roughly 10–13% over long periods, and debt funds closer to 6–8%. Past performance does not guarantee future returns, so it is worth checking your plan against a lower figure to see how much it depends on optimism.
- What difference does a step-up make?
- A large one. Raising a SIP by even 5–10% a year compounds alongside the returns themselves, and typically reaches a target years earlier than a flat contribution.
- Why show the value in today's money?
- Because ₹1 crore in 20 years will not buy what ₹1 crore buys now. At 6% inflation it has roughly a third of the purchasing power. Planning against the inflation-adjusted figure avoids a target that looks sufficient and is not.